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  #21  
Old 06.11.2020, 20:13
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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I am pretty sure it is the case. No motor vehicle can be used on Swiss roads w/o the needed 3rd party insurance coverage. Any exception would need to be mentioned in law or ordinance. The special case of the single trip to the inspection is covered in Art. 21 Abs. 5 VVV and as you can see you need an active and valid insurance quote lodged at the StVA/SAN, This is not just simply a quote but an actual guarantee of coverage.
I suppose you are correct but there are so many complications in this. So it is the insurer's insistance that I take the shortest route ? StVA said that if I do not take the shortest route I may be in trouble with the police so I suppose there something odd going on, why would be police cause trouble if I de tour if insurers have insured me for 3rd party. What if I loose my way ? can I de-tour to refuel ? what if I have a medical emergency while driving, can I detour to a hospital !!! this is driving me a bit mad.
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  #22  
Old 06.11.2020, 20:17
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

The possibilities are endless, I could have transported my bike via bikeshuttle in which case it would be in Geneva and I would need to drive to Winterthur ... that's a 3 hr ride without insurance !!!
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  #23  
Old 06.11.2020, 20:22
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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True, this still bothers me a bit. So how can the insurance be valid if I haven't paid for it ? I can go to MFK fail the test come back cancel the insurance or let the 30 day lapse ? How could I be insured for the drive to and back from MFK in that case as I do not owe any money to my insurers if my test fails.
You are over thinking it. Here an other possible scenario: You pass the test get the Swiss plates (at that point you are fully insured for sure). As soon as you drive onto the road you crash into an other car. Your fault. Your vehicle is totaled loaded on a flat bed. You remove the license plates and walk back to registration office where you hand in the license plates and get the gray card annulled. In that case you would have to pay for one single day of insurance coverage. See, even in the regular way there are scenarios where the insurance company has a huge disadvantage.
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  #24  
Old 06.11.2020, 20:26
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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The possibilities are endless, I could have transported my bike via bikeshuttle in which case it would be in Geneva and I would need to drive to Winterthur ... that's a 3 hr ride without insurance !!!
If you want a piece of mind: Mount the UK-plates and get frontier insurance. This way you can drive any route you wish and can be sure you have the needed 3rd party coverage. You might even be tripple insured through the maybe still valid UK insurance, the frontier insurance, and the lodged insurance quote.
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  #25  
Old 06.11.2020, 20:26
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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you are over thinking it. Here an other possible scenario: You pass the test get the swiss plates (at that point you are fully insured for sure). As soon as you drive onto the road you crash into an other car. Your fault. Your vehicle is totaled loaded on a flat bed. You remove the license plates and walk back to registration office where you hand in the license plates and get the gray card annulled. In that case you would have to pay for one single day of insurance coverage. See, even in the regular way there are scenarios where the insurance company has a huge disadvantage.
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  #26  
Old 07.11.2020, 10:39
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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Btw I also wanted to add another observation. Unlike in the UK where one has to earn no claims bonus to get a better deal, here I think every one start off with the best rates until you make a claim.
No, here everyone starts of at 100%. I am at 30%, and that took years of no claims.

Tom
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  #27  
Old 07.11.2020, 22:20
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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No, here everyone starts of at 100%. I am at 30%, and that took years of no claims.

Tom

+1 for this comment. I have the exact same car, make and model in the UK and in CH. Only difference is the colour and the side the steering wheel is on.


UK insurance, 350 GBP, due to full NCD. Swiss insurance was 1600 CHF. After 4 years claim free I got about 10% reduction.


Kind regards




Ian
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  #28  
Old 07.11.2020, 22:38
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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+1 for this comment. I have the exact same car, make and model in the UK and in CH. Only difference is the colour and the side the steering wheel is on.


UK insurance, 350 GBP, due to full NCD. Swiss insurance was 1600 CHF. After 4 years claim free I got about 10% reduction.


Kind regards




Ian
By 30%, I mean 70% reduction! (i.e. I pay 30% of full price)

Tom
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  #29  
Old 07.11.2020, 23:36
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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By 30%, I mean 70% reduction! (i.e. I pay 30% of full price)

Tom
Similar here - no idea how long my "no claims" is, but I pay 35% of full price.
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  #30  
Old 08.11.2020, 18:57
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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Similar here - no idea how long my "no claims" is, but I pay 35% of full price.

Which is what I pay in the UK... UK figure is about 35% of full price.


In UK, full NCD is usually based on 9 years or more claim free.


I look forward to cheap insurance here in the next 4 years...


Regards




Ian
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  #31  
Old 08.11.2020, 19:33
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

I looked it up for Mobiliar and sadly I'm at the lowest level.

Premium level 0 = 35% of "base" premium.

Then it goes up to level 16 = 100%.

... and then it goes up further to level 24 = 250% of base premium

So I guess they took my UK no-claims into account, otherwise it would take 16 years to reach the minimum.
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  #32  
Old 09.11.2020, 00:18
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

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No, here everyone starts of at 100%. I am at 30%, and that took years of no claims.

Tom
That's not true anymore, at least for some of the new immigrants. Moved with a car to Switzerland, every insurance company we checked offered us the lowest rate (30%) - Basler, Allianz, mobiliar, AXA. That was for a German person that had a driving license for almost 10 years and confirmed that they didn't make any insurance claims in last few years.
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  #33  
Old 09.11.2020, 12:02
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Re: Process of Importing a Vehicle to Switzerland as part of a House Move

So how can I check what my Premium level is ? There is nothing mentioned in the invoice or the quote.
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